Dealing with property damage can be stressful, especially when you’re unsure if your insurance policy will cover the loss. Whether you’re facing water damage, fire damage, mold growth, or storm-related destruction, understanding your homeowners or commercial insurance policy is crucial. Our team specializes in insurance claim support, helping homeowners, property managers, and business owners determine if their loss is a covered insurance claim. We handle the inspection, documentation, and communication with adjusters, ensuring you receive the compensation you deserve.
Understanding these coverages is essential when filing a claim. Not every loss is automatically covered, so reviewing your policy details is crucial.
Confused About Your Insurance Policy?
Protects the physical structure of your home, including walls, roof, and foundation, against covered perils.
Covers detached garages, fences, and sheds if they are damaged by a covered event.
Reimburses for damage to furniture, electronics, clothing, and personal belongings.
Covers temporary housing and additional living expenses if your home is uninhabitable due to a covered loss.
Provides coverage if someone is injured on your property and you are found legally responsible.
The first step in determining if a claim is valid is conducting a detailed property inspection. Our experts evaluate the extent of the damage, potential causes, and whether the loss qualifies under your policy. We use moisture meters, infrared cameras, and structural assessments to ensure nothing is overlooked.
Insurance policies generally cover sudden and accidental damage caused by specific perils. Some of the most common covered claims include:
When a pipe bursts unexpectedly and causes flooding, insurance typically covers the damage, including necessary repairs and water removal.
Homeowners insurance generally includes coverage for damage from hurricanes, tornadoes, hail, and severe storms that impact the structure of your home.
Fire-related damage, whether from a minor kitchen accident or a total home fire, is typically covered, including structural repairs and smoke damage cleanup.
If mold growth results from a covered water damage event, insurance may cover mold removal and necessary repairs.
Stolen or damaged personal property due to vandalism or break-ins is generally covered under most policies.
Water damage that occurs unexpectedly and is beyond the homeowner’s control is typically covered. This includes incidents such as burst pipes, which can happen due to extreme temperature changes or pressure buildup. Roof leaks caused by storms are another common covered event, as heavy rain, wind, or hail can compromise roofing materials, leading to interior water intrusion. Additionally, sudden appliance leaks, such as a washing machine hose failure or water heater rupture, often fall under covered claims. Finally, fire sprinkler discharge is generally included in policies, as it is considered an accidental and unforeseen water loss.
Standard homeowners insurance does not cover flood-related losses. Protection against flood damage requires a separate flood insurance policy.
Long-term leaks, slow pipe drips, and maintenance-related deterioration are typically not covered since they are considered preventable.
Damage from sewer overflows or backups is not covered unless a separate sewer backup rider is added to your policy.
Insurance does not cover normal aging or deterioration of materials, such as an old roof needing replacement due to age.
These natural disasters require specialized insurance policies and are not included in standard homeowners coverage.
